Merchant Monitoring Manager

Responsibilities & Key activities

• Manage merchant risk: Identify and assess merchant risk typologies, including scams, non-delivery of goods or services, money laundering, concealed business activities, and fraudulent websites.

• Lead and develop the team: Manage recruitment, performance reviews, employee development, workload allocation, and operational priorities while ensuring business continuity. 

• Optimise processes: Map and improve operational workflows, identify bottlenecks and control gaps, develop procedures, and identify opportunities for automation. 

• Leverage AI and automation: Identify and implement opportunities to improve processes, reduce manual work, and enhance operational efficiency. 

• Improve merchant's transactional monitoring: Develop, calibrate, and validate monitoring rules, analyse their effectiveness, and implement feedback loops to continuously improve risk detection. 

• Analyse data and systems: Utilize data analytics techniques to investigate trends, identify anomalies, validate findings, and support data-driven decisions.  

• Drive operational performance: Monitor KPIs, reporting, operational queues, team capacity, and skill matrices. Lead the team through incidents, audits, and other operational challenges. 

• Collaborate with stakeholders: Work closely with Compliance, Risk, Operations, and Technology teams to address risks, improve controls, and support regulatory and card scheme requirements. 

Qualifications & Experience

• 4+ years in merchant risk, fraud prevention, or merchant monitoring within an acquirer, PSP, bank, or fintech, including at least 2 years of people management experience covering recruitment, performance reviews, and difficult conversations. 

• Payment's expertise: Strong understanding of card transaction flows, e-commerce payments, merchant onboarding, marketplaces, resellers, chargebacks, Visa and Mastercard monitoring programes, and merchant categorization according to the rules. 

• Merchant risk expertise: Practical experience in investigating merchant websites, identifying suspicious business models, and developing, calibrating, and validating monitoring rules. 

• Process management: Experience designing and optimising operational processes, identifying bottlenecks and automation opportunities, and developing procedures. Familiarity with BPMN, capacity planning, and skill matrices. 

• AI and automation: A proven experience of implementing AI or automation to improve a process or deliver measurable business benefits. 

• AML knowledge: Understanding of risk classification, PEP and sanctions screening, Suspicious Activity Reports (SARs), and cooperation with Compliance teams. 

• Technical and analytical skills: Strong analytical thinking, including hands-on experience with SQL and advanced Excel functions.Ability to interpret technical documentation and understand monitoring systems. 

• Operational ownership: Experience working with KPIs, reporting, ensuring business continuity, and managing incidents and audits.  
• Communication: Strong stakeholder management, decision-making, and prioritisation skills, with the ability to work effectively under pressure.  
• Languages: English and Polish profiency at a level suitable for buisness communication.  
Nice to have:

• Experience managing project backlogs, timelines, milestones, dependencies, and delivery risks. 

• Experience supporting card schemes or regulatory audits.

• Familiarity with card schemes and  upcoming changes to EU AML regulations.

What we offer

Employment under a contract of employment,
Benefits: ability to develop one’s own package in MyBenefit system,
Access to an internal training platform,
Possibility to work in a hybrid model with a 2 days in the office policy,
Friendly work atmosphere in a cooperation-driven team, that will support you everyday,
Work in an international organization operating in a rapidly changing industry.